Enterprise Revenue Focus
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1 U.S. Bancorp Investor Day Enterprise Revenue Focus Mac McCullough EVP and Chief Strategy Officer September 12, 2013 #
2 Forward-looking Statements and Additional Information The following information appears in accordance with the Private Securities Litigation Reform Act of 1995: This presentation contains forward-looking statements about U.S. Bancorp. Statements that are not historical or current facts, including statements about beliefs and expectations, are forward-looking statements and are based on the information available to, and assumptions and estimates made by, management as of the date made. These forward-looking statements cover, among other things, anticipated future revenue and expenses and the future plans and prospects of U.S. Bancorp. Forward-looking statements involve inherent risks and uncertainties, and important factors could cause actual results to differ materially from those anticipated. Global and domestic economies could fail to recover from the recent economic downturn or could experience another severe contraction, which could adversely affect U.S. Bancorp s revenues and the values of its assets and liabilities. Global financial markets could experience a recurrence of significant turbulence, which could reduce the availability of funding to certain financial institutions and lead to a tightening of credit, a reduction of business activity, and increased market volatility. Continued stress in the commercial real estate markets, as well as a delay or failure of recovery in the residential real estate markets, could cause additional credit losses and deterioration in asset values. In addition, U.S. Bancorp s business and financial performance is likely to be negatively impacted by recently enacted and future legislation and regulation. U.S. Bancorp s results could also be adversely affected by deterioration in general business and economic conditions; changes in interest rates; deterioration in the credit quality of its loan portfolios or in the value of the collateral securing those loans; deterioration in the value of securities held in its investment securities portfolio; legal and regulatory developments; increased competition from both banks and non-banks; changes in customer behavior and preferences; effects of mergers and acquisitions and related integration; effects of critical accounting policies and judgments; and management s ability to effectively manage credit risk, residual value risk, market risk, operational risk, interest rate risk and liquidity risk. For discussion of these and other risks that may cause actual results to differ from expectations, refer to U.S. Bancorp s Annual Report on Form 10-K for the year ended December 31, 2012, on file with the Securities and Exchange Commission, including the sections entitled Risk Factors and Corporate Risk Profile contained in Exhibit 13, and all subsequent filings with the Securities and Exchange Commission under Sections 13(a), 13(c), 14 or 15(d) of the Securities Exchange Act of However, factors other than these could also adversely affect U.S. Bancorp s results, and you should not consider these factors to be a complete set of all potential risks. Forward-looking statements speak only as of the date they are made, and U.S. Bancorp undertakes no obligation to update them in light of new information or future events. This presentation includes non-gaap financial measures to describe U.S. Bancorp s performance. The reconciliations of those measures to GAAP measures are provided within or in the appendix of the presentation. These disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-gaap performance measures that may be presented by other companies. 2
3 Enterprise Revenue Office Investing for Growth ( ) Intensified focus on revenue growth Created enterprise focus on customers Enterprise Revenue Office National Corporate Banking National Mortgage Banking Deposit Pricing Parity Brand Development Selective M&A / JVs Strong Defense Flight-to-Quality Launched Building Deeper Relationships Developed vision and roadmap to build out digital banking channels Mobile banking Online banking 3
4 Launched Building Deeper Relationships Product Packages Mortgage Referrals Relationship Review Changed focus, process and culture Process 4
5 Enterprise Revenue Office Positioned to Win ( ) Relevant Scale Customer Experience Leveraging Technology Employee Engagement Investing for Growth Strong Defense Expanded Building Deeper Relationships Customer experience Leveraging technology Delivered industry-leading digital banking channel capabilities Mobile banking Online banking Market Share Gain 5
6 Expanded Building Deeper Relationships Mobile Banking Online Banking Branch Automation Invested in and leveraged technology Product Packages Mortgage Referrals Relationship Review Changed focus, process and culture Process Technology 6
7 Expanded Building Deeper Relationships BDR Revenue (MM$) $2,150 1,725 Mobile Banking $1,550 Online Banking Branch Automation Product Packages Mortgage Referrals Relationship Review Process Technology Actual/ Forecast Target Actual / forecast and target revenue attributable to BDR initiatives is calculated based on a consistent interest rate environment since the date the target was established 7
8 Industry-leading Digital Banking Channels Mobile Banking MMs USB Customers at Period End Q U.S. Bank ranked #1 for Mobile App and most improved among 13 leading banks Score Keynote Scores for 5 Largest Banks USB 3Q11 1Q12 3Q12 1Q13 3Q13 U.S. Bank made the largest move among 15 leading banks, ranking 6 th for Mobile Banking Overall in 3Q11, moving to 3 rd in 3Q13, 2 points behind the top-ranked bank U.S. Bank had the largest yearover-year increase in Mobile Banking Customer Satisfaction among the top-10 banks surveyed Source: Keynote 8
9 Industry-leading Digital Banking Channels Online Banking Original Home Page (circa 2010) New Home Page 9
10 Industry-leading Digital Banking Channels Online Banking to present Redesigned public site Simplified Online Apply Robust data analytics supporting online marketing and lead management 2013 Model Bank for Online Marketing and Lead Management 2012 Model Bank for Online Apply U.S. Bank ranked #1 for Credit Card Prospect Experience in 2012 and 2013 U.S. Bank ranked #5 in Web Experience in 2013 out of 211 companies across all industries 10
11 Industry-leading Digital Banking Channels Online Banking - 4Q13 Launch of redesigned secure site Make targeted offers to customers based on profile and behavioral data Migration of servicing to digital channels to improve customer experience and reduce cost-to-serve More convenient and simplified payment solutions 11
12 Enterprise Revenue Office Extending the Advantage (2014 ) 2014 Extending the Advantage Positioned to Win Investing for Growth Strong Defense Shareholder Value Continued expansion of Building Deeper Relationships Customer insights Next best action Client Advocacy Customer experience Data analytics Innovation 12
13 Enterprise Revenue Office Extending the Advantage (2014 ) Extending the Advantage Positioned to Win Investing for Growth Strong Defense Shareholder Value Continued expansion of Building Deeper Relationships Customer insights Next best action Client Advocacy Customer experience Data analytics Innovation
14 Innovation at U.S. Bank Innovate is a Distinctive Leadership Practice 14
15 Innovation at U.S. Bank Core Products Multi-function Campus Card Checking With Choice Wholesale Payments Voice of the Customer Customers Ideas FlexPerks Concepts Savings Today And Rewards Tomorrow Qualitative Testing 15
16 Innovation at U.S. Bank Digital Capabilities Mobile Photo Bill Pay Mobile Real-time Credit Card Apply, Approve, Use Virtual Merchant Mobile Payments 16
17 Innovation at U.S. Bank Business Models Insight from Millennials Distribution Network Optimization Mobile Banking Drive Thru Branch Anchor Branch Online Banking In-Store Branch On-Site Branch Drop In Branch Video ATM 17
18 Innovation at U.S. Bank More to come Innovation Advisory Leadership Group Payments Shark Tank Innovation Advocate Training Ideas From US 18
19 U.S. Bancorp Investor Day Enterprise Revenue Focus #
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